Call reports 2006
STATE BANK OF CHESTER — 2006
What STATE BANK OF CHESTER reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,759,000 | 20,215,000 | 20,769,000 | 21,425,000 |
| Total loans | 14,761,000 | 14,688,000 | 15,916,000 | 14,727,000 |
| Allowance for loan losses | 179,000 | 195,000 | 211,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,599,000 | 4,599,000 | 3,849,000 | 3,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,529,000 | 17,975,000 | 17,612,000 | 19,119,000 |
| Interest-bearing deposits | 17,081,000 | 16,445,000 | 16,354,000 | 17,057,000 |
| Noninterest-bearing deposits | 1,448,000 | 1,530,000 | 1,258,000 | 2,062,000 |
| Equity capital | 2,108,000 | 2,117,000 | 2,163,000 | 2,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 659,000 | 1,000,000 | 1,367,000 |
| Interest expense | 145,000 | 301,000 | 462,000 | 636,000 |
| Net interest income | 178,000 | 358,000 | 538,000 | 731,000 |
| Noninterest income | 15,000 | 29,000 | 46,000 | 62,000 |
| Noninterest expense | 101,000 | 208,000 | 310,000 | 448,000 |
| Provision for loan losses | 6,000 | 21,000 | 37,000 | 77,000 |
| Pretax income | 86,000 | 158,000 | 237,000 | 268,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 5,000 |
| Net income | 84,000 | 154,000 | 231,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,108,000 | 2,117,000 | 2,163,000 | 2,189,000 |
| Total capital | 2,287,000 | 2,302,000 | 2,363,000 | 2,350,000 |
| Risk-weighted assets | 14,404,000 | 14,802,000 | 15,994,000 | 15,214,000 |
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